How One Michigan Employee Benefits Broker Has Served Employers for Nearly 19 Years
Bloomfield Hills, United States - May 17, 2026 / CFH Insurance Consultants /
CFH Insurance Consultants, a Bloomfield Hills, Michigan-based employee benefits brokerage firm, is marking nearly 19 years of continuous service to employers across Michigan and the United States. Founded in May 2007 by Andrew Henze, the firm has grown from a local consultancy into a recognized name among Michigan insurance consultants small business owners and HR leaders rely on when navigating the increasingly complex landscape of group health insurance and employee benefits.
Since its founding, CFH Insurance Consultants has operated with a straightforward mission: help small and mid-size employers access the same quality of employee benefits guidance that larger corporations have long taken for granted. Over nearly two decades, that commitment has translated into hundreds of client relationships built on trust, transparency, and measurable results. The firm serves businesses headquartered in Michigan as well as employers with multi-state workforces, giving it a broad perspective on the challenges and opportunities that define benefits planning in today's market.
The employee benefits brokerage space in Michigan is more competitive and more complicated than it was in 2007. Healthcare costs have risen significantly, regulatory requirements have multiplied, and employers - especially small and mid-size businesses - are under growing pressure to offer compelling benefits packages while managing tight budgets. According to the U.S. Small Business Administration, Michigan is home to more than 860,000 small businesses, which together employ roughly half of the state's private-sector workforce. For those employers, finding a knowledgeable and experienced Michigan employee benefits broker is not a luxury. It is a strategic necessity.
CFH Insurance Consultants has built its practice around serving exactly that market. The firm works closely with business owners, CFOs, and HR professionals to design, implement, and manage benefits programs that align with each employer's financial goals and workforce needs. Rather than offering one-size-fits-all solutions, the team at CFH Insurance Consultants takes a consultative approach, analyzing funding options, carrier relationships, and regulatory requirements before recommending a path forward.
Over its nearly 19-year history, the core services delivered by CFH Insurance Consultants have expanded to meet the evolving needs of Michigan employers. Those services include:
- Group health insurance solutions, including fully insured, level-funded, and self-funded plan designs
- ICHRA (Individual Coverage Health Reimbursement Arrangement) and QSEHRA (Qualified Small Employer Health Reimbursement Arrangement) implementation and management
- Dental, vision, life, and disability insurance
- Voluntary benefits programs tailored to diverse workforce needs
- ACA (Affordable Care Act) compliance consulting and reporting guidance
- Benefits administration support and technology guidance
- Executive benefits planning and design
This breadth of service has positioned CFH Insurance Consultants as a full-service resource rather than a transactional vendor. Clients return year after year not simply because the firm helps them shop for group health insurance Michigan carriers offer, but because the team provides ongoing strategic guidance that helps employers stay ahead of cost increases and compliance obligations.
Andrew Henze, Principal at CFH Insurance Consultants, reflected on what nearly two decades in the market has meant for the firm and the clients it serves.
"When we started in 2007, the employee benefits world looked very different," Henze said. "The Affordable Care Act had not yet been passed, level-funded plans were not widely understood by small businesses, and most employers in our market were simply renewing whatever their carrier offered them each year. We built this firm on the belief that Michigan employers deserved better than that. They deserved a broker who would take the time to understand their business, explain their options clearly, and fight for their interests at renewal and throughout the year. Nearly 19 years later, that philosophy has not changed. What has changed is the complexity of the landscape, and that is exactly why the work we do matters more than ever."
Henze's perspective reflects the broader challenge facing small and mid-size employers in Michigan and across the country. The shift toward alternative funding arrangements like level-funded and self-funded plans has created new opportunities for cost savings, but those arrangements require a level of expertise and ongoing management that many employers are not equipped to handle on their own. Similarly, the emergence of ICHRA as a viable alternative to traditional group coverage has opened new doors for smaller employers, but implementation without proper guidance can lead to compliance pitfalls and employee dissatisfaction.
CFH Insurance Consultants has invested heavily over the years in staying current with these developments. The firm's team pursues ongoing education in benefits law, carrier products, and HR technology to ensure that clients are always receiving advice grounded in current market realities. That investment in expertise is part of what has allowed CFH Insurance Consultants to grow its book of business steadily, even during periods of market disruption such as the early years of ACA implementation and the economic volatility brought on by the COVID-19 pandemic.
The firm's geographic reach is also worth noting. While CFH Insurance Consultants is firmly rooted in the Michigan market - with deep relationships across Oakland County, Metro Detroit, and communities throughout the state - the firm also supports employers with employees in multiple states. As Michigan businesses have grown and expanded their footprints, CFH Insurance Consultants has grown alongside them, developing the carrier relationships and compliance knowledge necessary to support multi-state benefits programs.
For small business owners in Michigan specifically, the value of working with a dedicated Michigan insurance consultants small business specialist is difficult to overstate. National brokerages and online benefits platforms have proliferated in recent years, promising speed and simplicity. What they often cannot offer is the kind of personalized attention and deep local market knowledge that a firm like CFH Insurance Consultants has developed over nearly two decades. Knowing which carriers perform well in specific Michigan ZIP codes, understanding the nuances of Michigan's regulatory environment, and having established relationships with carrier representatives are advantages that accumulate over time and directly benefit clients.
CFH Insurance Consultants has also placed a consistent emphasis on education throughout its history. The firm regularly provides clients with resources, updates, and guidance on topics ranging from open enrollment best practices to changes in ACA reporting requirements. This educational approach helps employers feel more confident in the decisions they make and reduces the likelihood of costly compliance mistakes.
Looking ahead, the firm sees continued opportunity to serve Michigan employers at a time when the employee benefits landscape is evolving rapidly. The growing interest in consumer-directed health plans, the expansion of telehealth benefits, the rise of mental health coverage as a workforce priority, and the ongoing challenge of pharmacy cost management are all areas where employers will need experienced guidance. CFH Insurance Consultants intends to remain the kind of trusted partner that Michigan businesses turn to when they need clarity and strategic direction on these issues.
The nearly 19-year milestone is a reflection not only of the firm's longevity but of the relationships that have made that longevity possible. In a service business built on trust, retention speaks louder than any marketing message. The fact that CFH Insurance Consultants continues to serve clients who came on board in its early years is perhaps the clearest evidence of the value the firm delivers.
Employers seeking a knowledgeable and experienced Michigan employee benefits broker can learn more about CFH Insurance Consultants and its full range of services at cfhic.com.
Learn more on https://www.cfhic.com/
Contact Information:
CFH Insurance Consultants
41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, MI 48304, US
Bloomfield Hills, MI 48304
United States
Andrew Henze
+1 (248) 370-8853
https://www.cfhic.com
